The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$35,944
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,063
−HK$1,136/mo
Today · 4.125%
HK$38,199
baseline
▲ 0.50% · 4.625%
HK$40,523
+HK$2,324/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,398/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,988
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,060
−HK$1,088/mo
Today · 4.125%
HK$42,148
baseline
▲ 0.50% · 4.625%
HK$44,370
+HK$2,222/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,296/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,133
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,475
−HK$1,363/mo
Today · 4.125%
HK$45,838
baseline
▲ 0.50% · 4.625%
HK$48,627
+HK$2,789/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$91,676/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,985
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,272
−HK$1,306/mo
Today · 4.125%
HK$50,578
baseline
▲ 0.50% · 4.625%
HK$53,244
+HK$2,666/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$101,156/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,322
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,888
−HK$1,590/mo
Today · 4.125%
HK$53,478
baseline
▲ 0.50% · 4.625%
HK$56,732
+HK$3,254/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$106,956/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,983
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,484
−HK$1,524/mo
Today · 4.125%
HK$59,008
baseline
▲ 0.50% · 4.625%
HK$62,118
+HK$3,110/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$118,016/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,700
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,713
−HK$2,044/mo
Today · 4.125%
HK$68,757
baseline
▲ 0.50% · 4.625%
HK$72,941
+HK$4,184/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$137,514/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,978
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,909
−HK$1,958/mo
Today · 4.125%
HK$75,867
baseline
▲ 0.50% · 4.625%
HK$79,866
+HK$3,999/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$151,734/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,126 · Scale 2, in force from 26 Feb 2026)